Preventive Care is
important to your health
Health Benefits & Coverage
What is Preventive Care?
Preventive care (sometimes referred to as “preventative care”) is routine health care that includes screenings, services and patient counseling to help prevent illness, disease or other health problems. It’s covered by your plan because it helps you stay healthy and lets you know if you may develop a health problem.
Don’t let disease sneak up on you. Preventive care might just save your life.
Understanding Your Preventive Care Benefits
As mentioned in your benefits booklet, many screenings and tests are covered at 100% with no out-of-pocket costs to you as part of your health plan. Use your covered preventive care and stop many health problems before they get serious.
- Screenings and tests
- Cancer screenings, such as colon, breast, and cervical
- Blood pressure
- Well-baby and well-child visits
- Counseling and support
- Tobacco cessation
- Alcohol misuse
- Sexually transmitted infections
- Immunizations, like the flu shot
To be covered with no out-of-pocket costs, the service must be:
- Provided by an in-network doctor or facility (urgent care facility, outpatient clinic or ambulatory surgery center)
- Filed by your doctor as a preventive care visit
- Identified as preventive care under the Affordable Care Act (ACA)
What Else Do I Need to Know?
Below are examples of common services your doctor may do that are not identified as preventive care by the ACA so are not 100% covered. These services may cost you money at your doctor's office or lab:
- Hormone tests
- Vitamin D tests
- Chest X-rays
- Thyroid tests
- EKGs (electrocardiograms)
*NOTE: You should feel free to ask questions about your health. However, tell your doctor that you are on a preventive care visit and check on your question before starting a discussion on any problem you are having. Your doctor may label the discussion as diagnostic (and not preventive), which may cost you money.
Sometimes you go to the doctor for preventive care and end up with an extra charge on your bill. You can be prepared for your appointment by following these steps:
- When you schedule your appointment, say that you want preventive care screenings and tests that are 100% covered by your plan.
- Ask if any tests or treatments provided during your appointment might not be considered preventive care.
- Ask if talking about other topics that are not considered preventive care during your appointment will lead to extra costs.
- Ask if any lab work can be sent to a BCBSNC in-network lab to lower your costs.
The Affordable Care Act (ACA) has identified certain services as preventive care to be paid at 100%.